I recommend Primerica Financial Services, A Citi Company. I open my Roth IRA there. The agent did a thorough job of explaining what a mutual fund is and what an IRA is and was able to answer my questions. In the IRA application, it ask me some questions to find out what type of investor I am. It turned out I’m an investor who wants high growth, no matter what happens in the short term.

From there, he recommend me what mutual funds I should pick and how I should divide my investment into each fund. My Roth IRA currently has an average rate of return of 14%. I think the agent who pick these mutual funds for me did a good job.

Now I work at Primerica and I changed the agent on my IRA account to me. Every time I invest into my Roth IRA, I now earn commissions. lol. I didn’t join Primerica for that reason. I joined because I wanted to help people and educate people about finance.

If you have debt, Primerica can give you solutions on how to get out of it for free. If you have life insurance and would like to lower your premiums, Primerica can show you a life insurance plan to do that. That way you would have more money saved.